* IRA's available in these terms. Minimum initial deposit for an IRA is $50.00** You may request one time during the three year period the interest rate to be increased to the current market rate. "Step Up" feature not available for IRA's.*** One withdrawal without penalty after initial seven days. After first withdrawal, penalty applies.**** 6 months interest + $25 service fee prior to presentation of high school diplomaAPY denotes annual percentage yieldFees may reduce earnings